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Hopefully this is my last question!!
Thank you to everyone thats answered my previous questions - more or less every reply has been a real help and a godsend in this worrying business that is housebuying. . . I just have one more question Am FTB - have mortgage offer on house, searches all applied for (last week so I am led to believe) have no deposit to put…
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bit complicated, this - appreciate help
Background: friend and ex-partner selling house; ex-partner insists that he has contributed significantly to increase in value of house by various bits of diy; friend disputes amount he claims Am I imagining things or is there a website out there that if you plug in the value of the house in year x, will have a guess for…
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Completing on new flat
Question for those in the know. We have been waiting a year for our new build flat to be ready. The development got it's NHBC certificate last week and the developers served notice to complete to our solicitors (have to complete within 14 days). We decided to get completion for tomorrow as our mortgage offer runs out next…
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Survey - Asbestos - HELP!!
Right, we've offered on a house without a forward chain (and had the offer accepted) at £225k against an asking price of £229,995. The price is fair without being low and the offer was made on the basis that the heating needs looking at, and it requires a new bathroom and redecorating throughout. When we offered, my wife…
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Did my old solicitor do a proper job?
Hi all I purchased the house we currently live in 6 years ago. The house had an extension and when I instructed my solicitor I specifically asked if she would check if all the proper planning permission was in place. Now we are selling, I recently had to go to the council to get a letter to prove we had planning permission…
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budget = more of us will pay more in Inheritance Tax
The Chancellor also used today's Budget to announce an increase in the inheritance tax threshold. At present the 40 per cent death duty is payable on estates worth more than £275,000 but this will increase to £325,000 by 2009-10, Mr Brown said. The move was immediately dismissed by industry commentators who said far from…
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Good Service From London & Country
We needed some urgent advice regarding the best mortgage for us on the purchase of a new property and we were totally confused by all the deals offered. So we consulted this site and my husband telephoned the recommended London & Country Mortage Brokers last night and spoke to Nigel Legg. Mr Legg spent over half an hour…
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My turn to vent some anger...
Don't expect any replies but its good to get things off your chest no? I went round my local estate agents today. Got a list of all the properties in my area and price range. I wanted to view about five or so. I have just come of the phone and all but one are sold. Why do they give me details, if they have been sold. And I…
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Have Mortgage offer but no deposit
have received mortgage offer for 100% of agreed sale price - but being FTB and getting 100% mortgage means we have no deposit. Is this going to be a major problem?
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conveyancing online
Anyone used and abused any of the following online solicitors? looking more for speed over cost, but obviously low cost + low speed is the ideal. legalmove.co.uk anthony hodari- via netconveyancing.com gordon o brien - via netconveyancing.com Or any other recommendations? best local one so far which has been recommended as…
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Can I bypass the Estate Agent?
Seen a house and would like to go directly to the seller and make an offer. Ive not contacted the EA in any way but obviously know its for sale by the board outside. Its on for a little more than I can afford and Im thinking that if he doesnt have to pay EA fees, he may be more willing to come down on the price. Can he do…
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Property crash soon???
This will hopefully get all you prospective first time buyers, or indeed anybody else contemplating taking on a bigger/more expensive house thinking. It really worries me that so many people are getting into something (that in my opinion) is going to cause them so much future misery when prices collapse as I think they…
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mortage offer received - what happens next
Hoorah - received mortage offer in post today! What happens next? and how long is it likely to be til exchange or completion. Also mortgage offer says that mortgage payment date will be 15th of each month - in this case is there a good day to complete which will give us most time til 1st payment due
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Stamp Duty Threshold Increased to £125,000
So, I calculate that home buying will become affordable for about, erm, 12 people. ;)
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Frustrated by unprepared FTB
We've had our house on the market for about 2 1/2 months. We had a FTB come and see it a couple of weeks ago and came back to see it again last week. Great, i thought. Then our EA said they were seeing their mortgage advisor. Alarm bells started ringing. Then today I'm told that they can't afford our house. :mad: Why do…
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Restrictive covenants
I've received today the transfer documents for the house I am buying. My solicitor (whom I can't get hold of today!) has drawn my attention to some restrictive covenants set out in this document. I think these affect the conservatory but I wanted to check with the more enlightened people on this board :) I quote: Am I…
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I will never move house again!!
Hope you don't mind, just want to let off some steam!! I am relocating and have been selling my house since December. Found a new house in February and both sale and purchase seem to be going through. I can't believe how unbearably slow it all is though. I seem to spend every day either chasing someone, trying to resolve a…
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Surveys
Hi I'm buying a 35 year old property by Wards. The house is well looked after and good tidy. The mortgage i'm applying for has a free valuation and doesnt need a survey. Is it worth me having one done? How do i go about arranging this? Thanks.
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House Swap (stamp duty etc)
Hi There i'm looking for some info, I have agreed a house swap with someone and the difference between the houses is around 80,000. I am looking to save as much as possible on stamp duty and fees during the swap. Legally what is it possible for me to do as regards paying stamp duty etc. My property is worth 150,000 with…
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Are you moving within 7 days...
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